Investment options of BEYER SERVICES 401(K) PLAN
Total Available Funds: 26
| Investment Description |
|---|
| Charles Schwab SCHWAB GOVERNMENT MONEY FUND |
| Charles Schwab SCHWAB BANK SAVINGS |
| American Funds AMERICAN FD GROWTH FD OF AMERICA R6 |
| American Funds EUROPACIFIC GROWTH R6 |
| BlackRock LIFEPATH INDEX RTRMT K |
| BlackRock LIFEPATH INDEX 2030 K |
| BlackRock LIFEPATH INDEX 2035 K |
| BlackRock LIFEPATH INDEX 2040 K |
| BlackRock LIFEPATH INDEX 2045 K |
| BlackRock LIFEPATH INDEX 2050 K |
| BlackRock LIFEPATH INDEX 2055 K |
| BlackRock LIFEPATH INDEX 2060 K |
| BlackRock LIFEPATH INDEX 2065 K |
| Dodge & Cox DODGE & COX INCOME F |
| Dodge & Cox DODGE & COX STOCK FU |
| Fidelity INTL INDEX FD |
| Fidelity 500 INDEX FD |
| First Eagle FIRST EAGLE GLOBAL FUND CL R6 |
| Invesco OPPENHEIMER DEV MKTS R6 |
| MFS MID CAP GROWTH CL R6 |
| Oakmark OAKMARK INTL FD INST |
| T. Rowe Price T ROWE PRICE NEW HORIZON FUND I |
| Vanguard MID CAP INDEX FUND ADMIRAL |
| Vanguard SHORT TERM BD INDEX FD ADM |
| Vanguard SMALL CAP INDEX ADMIRAL SH |
| maturing January 2025 through January 2047 $ — |
Investment model portfolios
We provide two types of investment model portfolios for BEYER SERVICES 401(K) PLAN participants. You can customize and follow a model portfolio in your plan account.
Types of portfolio strategies
- Strategic asset allocation portfolio: It invests in a diversified portfolio of multiple assets, buy-and-hold without frequently changing the asset allocation weights.
- Suitable: For long-term (more than 15 years, preferably more than 20 years), want to be tax efficient and can withstand interim drawdown or loss as high as 50% or more.
- Pros:
- Less error-prone
- Infrequent rebalancing or transactions
- Tax efficient for taxable brokerage investments
- Cons:
- Interim loss or drawdown can be substantial
- Possible low returns for an extended period, such as 10 years or longer
- Tactical asset allocation portfolio: it invests in a diversified portfolio of multiple assets, dynamically adjust stock and bond allocations to minimize losses during market stress.
- Suitable: For long-term (more than 10 years or preferably longer) capital. Investors are willing to rebalance as frequent as monthly.
- Pros:
- Reduce large interim loss or drawdown
- Less sensitive to investment entry point
- Likely to improve returns
- Cons
- Demand more frequent rebalancing or transactions
- Less tax efficient — more suitable in a tax-deferred account such as 401(k) or IRA
- Can experience a period of lower returns compared to a broad-based strategic allocation or a buy-and-hold benchmark, especially in some bull markets
These portfolios are proactively monitored and rebalanced on a monthly basis when needed, ensuring it remains in line with its target allocation.
Let us know (Email us) if you need help to create a custom model portfolio for your plan.
Retirement Plan (401(k)) Info for BEYER SERVICES 401(K) PLAN